John's Garage

When you applied you agreed to this language on the application which is right above the submit button (#specifically) We work with multiple banks to offer the best possible choices.By providing the information in this application and clicking on the "Click to Complete and Start Saving!" button and the “I Agree to these Terms and Conditions” box, the applicant and any co-applicant ("I," "me," and "my") each agree that: (1) I received and read the State Disclosures and the OpenRoad Lending Privacy Policy; (2) I received, read, and agree to the Consent for Electronic Disclosures and all other Terms and Conditions for this application shown above; and (3) I understand that I could have multiple inquiries on my credit report through this process and I am granting OpenRoad Lending and its partners permission to access my credit report to determine if I qualify for refinancing my existing auto loan, and (4) I provide express consent to receive autodialed/prerecorded calls/texts regarding financial services or other credit related offers from OpenRoad Lending or one if its third party lenders or affiliates at any number I have provided (consent to be contacted is not a condition to purchase services).As far as multiple inquiries, they have no impact on your credit score as evidenced by this article from Experian but you can find many articles that confirm this same information(http://www.experian.com/blogs/ask-experian/impact-on-credit-scores-o...⇄ I am sorry that we were unable to help you at this time

Typical deceiving company who hides behind their contrary clauses. There customer service representatives tell you the opposite of what their policy says. Garbage company, garbage service and garbage management. I will express my dislike of this fraud company by word of mouth and social networking.

First of all I apologize that we were unable to approve you for the pre-approved rate but we did approve you for a lower rate (2% lower than your current rate) When we get your credit profile for pre-approval, we do not get 1) income or 2) the vehicle that you are financing So we make some assumptions that your income is sufficient and that your collateral is within certain standards The reason your rate wasn't lower was because your loan to value (the value of your vehicle as compared to how much you are borrowing) is too high It is almost 150% LTV, meaning your vehicle is only valued at $12,but you owe over $19, There are risks that are involved when your LTV is that high and it is reflected in your interest rate If you are able to make a payment and bring the LTV down, your interest rate will go down as well Also when you apply you agree to these Pay close attention to # It allows us to have multiple inquiries By providing the information in this application and clicking on the "Click to Complete and Start Saving!" button and the “I Agree to these Terms and Conditions” box, the applicant and any co-applicant ("I," "me," and "my") each agree that: (1) I received and read the State Disclosures and the OpenRoad Lending Privacy Policy; (2) I received, read, and agree to the Consent for Electronic Disclosures and all other Terms and Conditions for this application shown above; and (3) I understand that I could have multiple inquiries on my credit report through this process and I am granting OpenRoad Lending and its partners permission to access my credit report to determine if I qualify for refinancing my existing auto loan, and (4) I provide express consent to receive autodialed/prerecorded calls/texts regarding financial services or other credit related offers from OpenRoad Lending or one if its third party lenders or affiliates at any number I have provided (consent to be contacted is not a condition to purchase services).Finally, multiple inquiries have no affect on your credit score You can search this for yourself or check out this article by Experian (http://www.experian.com/blogs/ask-experian/impact-on-credit-scores-of-inquiries...⇄ I am sorry we were unable to lower your rate more but we are saving you money from what you are paying today and we help thousands of customers save money each month

Ms [redacted] ,Thank you for your commentsWhen you completed the application process, you agreed to the terms and conditions on the application which state you application would be shared in an effort to find you the best possible terms for refinancing (see below)Unfortunately, none of our lending partners were able to assist you either in refinancingI have removed your information from future mailingsAgain, we do apologize for the poor experience and hope we can earn your business someday in the future.The OpenRoad Lending Team I agree that OpenRoad Lending may forward this application and my financial information to one or more third party lenders, dealers, affiliates or others that may be able to offer me, or assist me in finding, financing or other products that meets my needsSome of these affiliates may offer or arrange dealer financing rather than a direct loan from a lender.I authorize OpenRoad Lending’s lending partners, dealers, affiliates or others which are forwarded the application to share information in the application and any other credit information they obtain with other third parties who may be able to offer or arrange for a loan or financing through a dealer or other products and services

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Although it is just a declarative statementI will go ahead with my review to caution other individuals not to waste their time if they might find themselves in a similar situation Regards, [redacted]

First I want to say I am sorry you had a poor experience with our companyThe link to the terms and conditions you are questioning are on the application you competed directly above the "Click to Complete" buttonFor your convenience, those terms and conditions are listed below When you applied, you gave us permission to access your credit report so we could provide a loan decisionYou also gave permission for us to pass your application to other lenders if we were unable to assist youShould you have any additional questions, please let us knowTerms and ConditionsBy clicking on the “Click to Complete and Start Saving” button, the applicant and any co-applicant (each individually referred to as “I”, “me”, or “my”) agree to the following:I certify that everything stated in my application is true, correct and complete.I expressly grant OpenRoad Lending and its third parties, affiliates, agents, service providers or assignees the authority to call and/or email me with questions related to this application and share information about other products and services available.I have read and agree to the State Disclosures and OpenRoad Lending Privacy Policy.I have read and agree to the Consent for Electronic Disclosures, agreeing to the receipt of these and future disclosures and communications electronically, including, without limitation, providing the Privacy Notice on OpenRoad Lending’s web site.If I have applied with a co-applicant, I and the co-applicant both acknowledge it is our intent to apply for a joint account.I authorize OpenRoad Lending and its lending partners, automobile dealers, third parties, affiliates, agents, service providers or assignees to obtain such additional information as may be required, including credit reports, in order to complete the processing of my application.I understand that if I am approved, the approval is only valid for daysIf my loan is not completed in that time, I authorize OpenRoad Lending to obtain a new credit report before finalizing the loanI understand that if something on that credit file changes from the time when I applied, OpenRoad Lending is not obligated to continue through with the loan approval or at the original terms provided to me.I agree that OpenRoad Lending may forward this application and my financial information to one or more third party lenders, dealers, affiliates or others that may be able to offer me, or assist me in finding, financing or other products that meets my needsSome of these affiliates may offer or arrange dealer financing rather than a direct loan from a lender.I authorize those third party lenders, dealers, affiliates or others which are forwarded the application to share information in the application and any other credit information they obtain with other third parties who may be able to offer or arrange for a loan or financing through a dealer or other products and services.I agree that OpenRoad Lending and any of it’s third parties, affiliates, agents, service providers or assignees may call me, leave me a voice message, a prerecorded message, an artificial voice message, or send me a text, e-mail, or other electronic message for any purpose related to the servicing and collection of my accounts with you, for surveys or research or for any other informational purpose related to this credit application, the servicing and collection of the resulting loan account (each a “Communication”) I agree that you and any of your affiliates, agents, service providers or assignees (and any of your assignee’s affiliates, agents or service providers) may call or text me at any telephone number associated with my accounts, including cellular telephone numbers, and may send an e-mail to any email address associated with my accounts I also agree that you and any of your affiliates, agents, service providers or assignees (and any of your assignee’s affiliates, agents or service providers) may include my personal information in a Communication and may conduct a Communication using an automatic telephone dialing system You will not charge me for a Communication, but my service provider may In addition, I understand and agree that you and any of your affiliates, agents, service providers or assignees (and any of your assignee’s affiliates, agents or service providers) may always communicate with me in any manner permissible by law that does not require my prior consent.IMPORTANT INFORMATION ABOUT PROCEDURES FOR APPLYING FOR CREDITTo help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who applies for creditWhat this means to you: When you apply for credit, we will ask for your name, address, date of birth and other information that will allow us to identify you

Do you really want us to publish your full credit application with SSN and all? How else do you think we approved you without having your income, job type, address, SSN and even your IP address which is an ATT IP address in Gainesville Georgia (DSL type) I sent the link to the blank one so you could remember all the disclosures that you completed I don't plan on disclosing all of your personal information for public record with the Revdex.com I am sorry you don't remember

Please review your own comments responding to my demand to NOT share my information You said it would not be shared, but I can prove it was any way Regards, [redacted]

I am sorry but we gave you exactly what you requested Removal of our inquiries and now you are asking for money Unfortunately we dont do business that way and we were in the right on our rejection based on timing of your new accounts We were trying to go above and beyond I am sorry we cannot "pay" for this hustle

We received your application on 12/15/from a partner of ours called CarChex You applied with them to purchase a vehicle from the IP Address of [redacted] and they forwarded it to us because they are not a lender The IP Address is from Ocala Florida An email was sent about the application back then to [redacted] which was your listed employer If you feels this is in error and someone has stolen your identity then file a police report with your local police and then send the report to [redacted] , we will remove the inquiry

Complaint: [redacted] I am rejecting this response because: Regardless of what the small print is saying, I feel there should have been a verbal confirmation to the credit checkThere never was oneMy refinance was going to be with ***, not Open Road LendingThey had no right to check my credit without my consentIf that's true then all companies could go around checking people's credit at will, without consentAnd more so, it does affect my credit score Regards, [redacted] ***

Complaint: [redacted] I am rejecting this response because:As I've told their representatives, I DID NOT apply for any financingI knew fully well what my plans were moving forward and had already moved towards the acquisition of a new homeFinancing or Refinancing a vehicle was NOT EVEN BEING CONSIDERED! When speaking with Open Road's Supervisor, he stated that they never had anything like this happen beforeFurther, that I must have applied, because nobody else would stand to gain from a refinance of a vehicleI would differ because 'they' or any lender would stand to gain from my vehicle' current finance being moved from the current providerI have asked that all related Open Road Lending and affiliate credit inquiries be removed from my credit report(s) without further delayIf this cannot be effected, I will be in contact with my legal team to discuss taking action as this could very well cost me tens of thousands and the loss of a home that I'd already entered into a $400k purchase contract Regards, [redacted]

I am sorry we weren't able to give you the exacted rate on the mailer but we were able to lower your current rate over 2.5% and save you over $1,over the life of the loan As far as multiple inquiries you gave us permission in the terms and conditions directly above the apply button on the application #is quite clear that multiple inquiries could occur By providing the information in this application and clicking on the "Click to Complete and Start Saving!" button and the “I Agree to these Terms and Conditions” box, the applicant and any co-applicant ("I," "me," and "my") each agree that: (1) I received and read the State Disclosures and the OpenRoad Lending Privacy Policy; (2) I received, read, and agree to the Consent for Electronic Disclosures and all other Terms and Conditions for this application shown above; (3) I am able to print or keep copies of these materials and this application; and (4) I understand that I could have multiple inquiries on my credit report through this process and I am granting OpenRoad Lending and its partners permission to access my credit report to determine if I qualify for refinancing my existing auto loan, and (5) I provide express consent to receive autodialed/prerecorded calls/texts regarding financial services or other credit related offers from OpenRoad Lending or one if its third party lenders or affiliates at any number I have provided (consent to be contacted is not a condition to purchase services).Finally, multiple inquiries do not lower your credit score as you can see from this article from Experian http://www.experian.com/blogs/ask-experian/impact-on-credit-scores-of-inquiries-...⇄ You can search for yourself and find there are many other articles stating the same information from the other credit bureaus.Again I am sorry we cannot meet your expectations but we did lower your rate by over 2.5% and can save you a sizeable amount of money over the life of the loan I would be willing to include GAP in your loan for only $as a show of good faith since your LTV is almost 120% Please let us know if you would like to proceed

I am sorry we were unable to help you but we do not admit we ran your credit unnecessarily We first try to see if you qualify based on your credit Once we do, we validate that your vehicle fits within our loan to value guidelines In your case, we validated that your credit profile was sufficient Next we validated the amount you owed which was almost $11,but the value of your vehicle was only $5, The Loan to value was over 200% and our max is only at 160% So unfortunately were unable to help you out If you were able to pay down your loan then we could help but the current LTV is too high for our programs

I am sorry you feel that way but we wish everyone we mail to would convert into a funded loan We do help thousands of customers each month and 98% of our revenue is generated from loans not like you surmise If we cant help consumers then we offer other lenders who can I am sorry for your poor experience

I am sorry we were unable to help you The mailer you received was from data that we bought in July You applied in August and since then you had a charge off that reported in August with [redacted] which drastically affected your credit The back of the offer discloses that "you must continue to meet the criteria used to select you in this offer and our creditworthiness criteria." Unfortunately, your credit changed during that time and we are no longer able to offer you the same opportunity

Mr [redacted] - We are sorry for the poor experience you had with our companyThe confusion over your rate is due to the fact your LTV or loan to value determines the final rateThe actual approved rate is 9.99% for a term up to monthsIf you want a shorter term, we could do that as wellThe reason we could not match the pre-qualified rate is due to a new collection account that appeared on your credit report in December of When you apply, we must run a new credit report to determine if anything changed and in your case it didGood news is we were still able to approve you, bad news is we could not match the original rate offeredAgain we are sorry for the poor experienceI hope we can earn your business someday in the future

They have in fact gotten me another loan with a better rate after rejecting my initial application I have no further complaints with this company

Again I am sorry about the poor experience. The links are just above the submit button on the application so I'm not sure how we are hiding anything. Also people are pre-approved for lots of types of credit (auto, mortgage, credit cards) but often times you have to prove your income or have insurance or have a drivers license (etc) in order to complete the loan.

This is incorrect Customer applied and was approved to refinance his Jeep Grand Cherokee for a rate that was only slightly lower than his current rate What the customer is not stating is on his current loan with WFDS, there is another borrower which does not want to be on the loan anymore In some states we are unable to delete customers off title and Georgia happens to be one of them Also by only having person on the loan as compared to 2, the risk of default increases, thus making the rate go up.I am sorry we are unable to help you at this time but you are approved and if you add the other person to the loan, we will be able to continue